Breeders and Suppliers

Full Spectrum Financing for the Pet Industry

Are you a pet business? Give your customers the option to pay over time for their pet-related purchases! The Terrace Pets Platform powered by Terrace Finance specializes in all things furry, feathery, and scaly. One application gives customers access to a network curated to cover a wide range of customer creditworthiness and needs under one umbrella.

Who’s Included?

Join our network!

The Terrace Finance platform was created with the business growth of merchants in mind. Watch our video to see 10 ways joining the platform can help your business.

Why Offer Terrace Pets Financing?

You can’t beat our range.

The portion of the Terrace Finance “waterfall” dedicated to pet financing covers all credit levels and most states! In addition to pets, our lender network offers a full range of financing solutions for many kinds of merchandise including pet-related equipment and accessories for personal or commercial use.

  • Financing for amounts from $200 to $12,750 for pets and consumer products. $500 and up for commercial needs.
  • No credit and low credit score financing available
  • Variety of financing plans including loans, leases, retail sales agreements, and lines of credit
  • Expertise to serve consumer, commercial, and municipal customers
  • Merchant Programs for the borrowing needs of your business

full spectrum infographic

Our process is user-friendly.

Terrace Finance is dedicated to making the process of securing fair financing user-friendly for both the customer and the merchant.

  • Simple, secure online application
  • Access to multiple lenders
  • No action necessary when applications waterfall to additional lenders
  • Portal to monitor status of applications

We support you.

The Terrace team is here to help you get more customers to “yes” so you can grow your business.

  • No dealer fees for most programs
  • Option to opt out of any program
  • No application fees
  • No-cost set-up, support, and integration
  • Live customer service
  • Free customer referrals generated by our own marketing
  • Value-added services available


We’re here to answer your merchant onboarding and other questions.